Freedom Insurance Group serves Peetz, CO by providing side-by-side homeowners quotes from 25+ companies.
About Peetz, CO
Peetz is a smaller place with about 237 residents and lies within Logan County.
Peetz does not have big-city tourism headlines, and the insurance story is about local construction, fire protection access, and regional storm patterns.
Most homes are single-family houses typical of the Logan County area; replacement cost, roof age, and construction type still explain most premium differences block by block.
Hail, wind, and wildfire can push premiums quickly in Front Range communities after busy storm years.
Home insurance pricing in Peetz, CO
The typical homeowners insurance premium in Peetz, CO is about $3,542 annually for a typical local home (typical local home value about $400,000). For a $300,000 dwelling, expect around $3,124 per year; for a $600,000 home about $4,396; and for a $1,000,000 dwelling about $5,720. Freedom Insurance Group rates are often about 39% lower — near $2,161 per year for a typical home, roughly $1,906 for a $300,000 home, about $2,682 for a $600,000 home, and around $3,489 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,429 |
| $200,000 – $300,000 | $2,715 |
| $300,000 – $400,000 | $3,333 |
| $400,000 – $500,000 | $3,773 |
| $500,000 – $600,000 | $4,200 |
| $600,000 – $700,000 | $4,534 |
| $700,000 – $800,000 | $4,811 |
| $800,000 – $900,000 | $5,174 |
| $900,000 – $1,000,000 | $5,537 |
Band premiums are midpoints on the Peetz dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Peetz, CO, using a typical local home value of about $400,000. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Dwelling (A): This limit pays to rebuild the structure of your home after a covered loss, and it should track current reconstruction costs in your area.
- Other structures (B): Coverage for buildings set apart from the house, like a garage, shed, or fence.
- Personal property (C): Belongings such as furniture and clothing inside the house fall under this coverage, but some higher-value categories carry special sublimits.
- Coverage D, loss of use: While a covered loss keeps you out of the home, this coverage helps with added costs like a rental or hotel.
- Coverage E, personal liability: If you are legally responsible for bodily injury or property damage to others in a covered incident, it applies.
- Medical payments (F): This helps with guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Ways to cut the premium in Peetz, CO
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discounts and their size differ from carrier to carrier. “Up to” marks the top of the range, not a guaranteed amount.
Why Peetz home insurance premiums differ
A homeowners quote in Peetz rests on a set of interlocking factors that carriers check side by side. Count on rebuild cost, the roof’s age and type, and storm and wildfire exposure to move the number most. The deductible you pick and your claims record may move the final price about as much as the carrier brand.
Replacement cost is what it would take to rebuild the home with comparable materials at today’s prices for labor and supplies. A bigger rebuild figure on a Peetz home, premiums generally go up, because the insurer’s exposure grows.
Construction type and roof details also matter: frame versus masonry walls, the roof covering, and overall build quality shape how a property holds up in wind, hail, and fire that are common across Colorado.
Homes in Peetz with similar rebuild costs might not cost the same due to location risk: storm, hail, wildfire, and crime scores that change by ZIP code and neighborhood.
A better fire protection score based on the protection class and nearby hydrants and stations tends to make the premium lower.
Claims history remains a major rating input: recent claims on the property or household often increase rates for Peetz renewals and new business quotes alike.
Certain companies factor in a credit-based insurance score when state rules permit; a better score usually means a lower premium.
Home-and-auto bundles in Peetz, CO
Illustrative average bundling savings, not guaranteed. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Peetz, Colorado | $258 | $436 | $636 |
Peetz housing stock and storm history
Tornadoes are part of the picture too: NOAA lists 1 tornado touching down within 10 miles of Peetz in 2016–2025, with the strongest at EF1 in May 2016.
In FEMA’s National Risk Index, Logan County rates above the low end for hail (“Relatively High”), tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”).
Peetz’s median year built is 1955. Roughly 67% of homes predate 1980, so system and roof updates often come up in underwriting.
NOAA storm records show 9 hail reports within about 5 miles of Peetz from 2016 through 2025, 9 of them one inch or larger. The largest was 2 inches in July 2024 around Peetz.
Census survey estimates (ACS 2020–2024) show about 151 housing units in Peetz, and owner-occupants live in about 89% of the occupied homes. By structure type, 93% are detached single-family houses and 7.3% are mobile homes.
For heat, Peetz households mostly rely on propane or other bottled gas (73%), utility gas (13%), and electricity (8.3%). Wood stoves and propane tanks are worth mentioning on an application, because they can affect eligibility.
Since 2000, Logan County has appeared in 5 major disaster declarations; the latest is Severe Storms, Flooding, and Tornadoes (August 2023).
Census counts put Peetz at 227 residents in 2000 and 238 in 2010, and the Census Bureau’s July 2024 estimate is 203. That is roughly 11% fewer residents than in 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 38 hail reports within 5 miles of Peetz between 1955 and 2015, topped by hail of 2.75 inches on May 27, 1985. Reports of 2-inch or bigger hail number 3 in that span. The NOAA Storm Prediction Center database shows 21 tornadoes that began within 10 miles of Peetz from 1950 through 2015; the most powerful, rated F2, touched down on June 20, 1960.
Looking at neighboring communities? We also have home insurance pages for Iliff (14 mi), Crook (18 mi), and Sterling (24 mi).
ZIP codes we cover near Peetz
80747
